As of late February 2026, average U.S. mortgage rates are generally just under 6% for many standard loans, with shorter terms a bit lower than longer terms.

Here’s a concise snapshot based on recent national data:

  • 30-year fixed conventional: around 5.9%–6.0% on average.
    • [7][1]
  • 15-year fixed conventional: roughly 5.3%–5.4% on average.
    • [5][1][7]
  • 30-year jumbo: about 6.2%–6.3%.
    • [1]
  • 30-year FHA: about 5.8%–5.9%.
    • [1]
  • 30-year VA: roughly 5.4%–5.6%.
    • [3][1]
  • Refinance averages (30-year): typically a bit higher than purchase, around mid‑6%.
    • [5][7]
Keep in mind:
  • These are national averages from large data providers and news outlets; individual lenders can be higher or lower on any given day.
  • Your actual rate depends heavily on credit score, down payment, loan type, property type, and location.
  • Major rate trackers and marketplaces (such as large comparison sites and lender dashboards) update figures daily, so checking same‑day quotes is important if you’re close to locking a rate.

If you tell me your country, approximate credit score, and whether this is a purchase or refinance, I can help you interpret how these averages might compare to what you personally could expect (conceptually, not as a formal quote).